Updated · Mike Certo, NMLS #260555
Alabama Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Alabama. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Alabama buyers.
Loan officer information
- Name: Mike Certo
- NMLS ID: 260555
- Role: Branch Manager / Loan Officer
- NMLS Consumer Access: View Mike's NMLS record
Lender information
- Company: Cornerstone First Mortgage, LLC
- NMLS ID: 173855
- NMLS Consumer Access: View Cornerstone's NMLS record
- Headquarters: San Diego, California
- License footprint: Cornerstone is licensed across most of the country including Alabama; confirm the current state list on NMLS Consumer Access.
How Alabama lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage is licensed to originate mortgages in Alabama. Alabama buyers can work with Cornerstone for their financing regardless of where the loan officer sits physically, as long as every required license is current on NMLS.
Mike works with Alabama buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Alabama authority, and closing happens at an Alabama title or settlement company, the way most Alabama purchases settle.
Alabama-specific disclosures
Alabama mortgage transactions follow:
- Alabama State Banking Department, Bureau of Loans oversight
- The Alabama SAFE Act, codified at Code of Alabama Title 5, Chapter 26, and the Alabama Consumer Credit Act (the "Mini-Code")
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Alabama deed and mortgage recording tax collected at the county Judge of Probate at closing (roughly 0.25% combined)
- Flood insurance escrow disclosure where the property sits in a FEMA flood zone
Specific compliance disclosures appear in the Loan Estimate and Closing Disclosure documents you receive.
Contact
- Mike Certo
- Phone: (480) 296-6513
- Email: mcerto@cfmtg.com
For Alabama licensing questions, contact the Alabama State Banking Department, Bureau of Loans at banking.alabama.gov.
Related
FAQ
Is Mike Certo licensed in Alabama?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) is licensed to originate Alabama mortgages, overseen by the Alabama State Banking Department, Bureau of Loans. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Alabama buyers under its Alabama mortgage authority, and your loan closes at an Alabama title or settlement company.
How do I verify Mike's license?
NMLS Consumer Access maintains public records. Visit nmlsconsumeraccess.org and search for NMLS ID 260555.
Who regulates Alabama mortgage lending?
The Alabama State Banking Department, Bureau of Loans, under the Alabama SAFE Act (Code of Alabama Title 5, Chapter 26) and the Alabama Consumer Credit Act. Visit banking.alabama.gov for licensing and consumer-protection information.